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Length of Boat Loans. Fixed rate boat loan terms are available from 15, 20 years, the terms available are based on the amount you are looking to borrow. The rate of your boat loan is determined by many key factors outside of your credit score.
1 The options for a used boat can differ slightly in term length of loan and even interest rate. 2  Your options for the length of the loan will be shorter. 3  Used boats usually won't get as many months finance terms as new boats.4  For a used vessel you will be required to get what is called a 'Marine Survey'. new boat can be financed for 120 months or more which means after 10 years of wear and tear on your boat you could still be making payments.